1. Introduction and Acceptance
These terms and conditions govern your use of the Debt Leaf website and the services provided by SLWB Ltd (company number 16451543), registered at Second Floor A, Cheadle Place, Stockport Road, Cheadle, SK8 2JX.
By accessing our website or using our services, you confirm that you accept these terms and agree to comply with them. If you do not agree with any part of these terms, you should not use our website or services.
We may revise these terms at any time by updating this page. Please check this page regularly to ensure you are aware of any changes, as they are binding on you.
2. Our Services
Debt Leaf provides debt advice and debt management services to individuals in the United Kingdom. Our services include:
- Free initial debt assessments to understand your financial situation
- Advice on suitable debt solutions, including Individual Voluntary Arrangements (IVAs), Debt Management Plans (DMPs), and other options
- Administration and supervision of formal insolvency arrangements
Our licensed Insolvency Practitioner is Adam Southard, who is licensed by the Insolvency Practitioners Association (IPA). Office Holder No. 11930.
Important: The information provided on our website is for general guidance only and does not constitute regulated financial advice. Our debt counselling services are carried out in accordance with our regulatory permissions. We are not authorised to provide independent financial advice on investments, pensions, or insurance products.
We will always recommend that you seek independent advice where your circumstances require it, and we will signpost you to free debt advice services such as MoneyHelper, StepChange, or Citizens Advice where appropriate.
3. Eligibility
To use our services, you must:
- Be at least 18 years of age
- Be a resident of England, Wales, or Northern Ireland (Scottish residents may be subject to different insolvency legislation)
- Have unsecured debts that you are struggling to repay
Specific debt solutions may have additional eligibility criteria, which will be explained to you during your initial assessment.
4. Your Responsibilities
When using our services, you agree to:
- Provide accurate, complete, and up-to-date information about your financial circumstances, including all debts, income, and expenditure
- Inform us promptly of any changes to your financial circumstances that may affect your debt solution
- Cooperate fully with your assigned adviser and Insolvency Practitioner
- Make agreed payments on time as required by your debt solution
- Not provide false or misleading information, which may constitute a criminal offence under insolvency legislation
Failure to meet these responsibilities may result in the failure of your debt solution and could have serious consequences for your financial situation and credit rating.
5. Our Obligations
We will:
- Act in your best interests and provide advice that is suitable for your individual circumstances
- Ensure that all advice is given by suitably qualified and supervised staff
- Explain clearly the options available to you, including the advantages, disadvantages, and risks of each
- Handle your personal data in accordance with our Privacy Policy and applicable data protection legislation
- Comply with all relevant regulatory requirements, including those of the Insolvency Practitioners Association and the Insolvency Service
- Provide you with clear information about any fees and charges before you commit to a debt solution
6. Fees and Charges
Initial assessment: Our initial debt assessment and advice is provided free of charge. There is no obligation to proceed with any solution we recommend.
Individual Voluntary Arrangements (IVAs): If you enter into an IVA, fees will be payable to the Insolvency Practitioner for setting up and supervising the arrangement. These fees are taken from the monthly contributions you make into the IVA — they are not charged to you on top of your agreed monthly payment. You will not be asked to pay any fees upfront before your IVA is approved.
Full details of all fees, including the nominee fee, supervisor fee, and any other costs, will be clearly set out in your IVA proposal before you agree to proceed. These fees are subject to approval by your creditors as part of the IVA process.
Other solutions: Fees for other debt solutions will be explained to you in full before you enter into any agreement.
7. Limitation of Liability
While we take every reasonable care to ensure that the information and advice we provide is accurate and appropriate, we cannot guarantee specific outcomes for your debt situation. The success of any debt solution depends on a number of factors, including creditor approval and your continued compliance with the terms of your arrangement.
To the fullest extent permitted by law, SLWB Ltd shall not be liable for any indirect, incidental, or consequential loss or damage arising from your use of our website or services.
Nothing in these terms excludes or limits our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited under English law.
The content on our website is provided for general information purposes only and should not be relied upon as a substitute for professional advice tailored to your individual circumstances.
8. Intellectual Property
All content on this website, including text, graphics, logos, images, and software, is the property of SLWB Ltd or its content suppliers and is protected by United Kingdom and international copyright laws.
You may not reproduce, distribute, modify, or create derivative works from any content on this website without our prior written consent. You may print or download content from this website for your own personal, non-commercial use only.
9. Third-Party Links
Our website may contain links to third-party websites. These links are provided for your convenience and information only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them. The inclusion of a link does not imply endorsement of the linked website.
10. Termination
You may stop using our website at any time. If you wish to cancel any debt solution, the process for doing so will depend on the type of arrangement and will be explained to you by your adviser.
We may suspend or restrict your access to our website or services if we reasonably believe you have breached these terms, provided false or misleading information, or if we are required to do so by law or by our regulators.
11. Governing Law and Jurisdiction
These terms and conditions are governed by and construed in accordance with the laws of England and Wales. Any disputes arising from or relating to these terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.
12. Contact Us
If you have any questions about these terms and conditions, please contact us:
- By post: SLWB Ltd, Second Floor A, Cheadle Place, Stockport Road, Cheadle, SK8 2JX
- By email: [email protected]
- By phone: 0800 123 4567